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Is This Filing Strategy Plausible?
Wife and I will both be 65 in 2017...we are about 6 months apart. I have been the higher wage earner. Our plan is for my wife to file at 66 FRA and for me to file for a spousal benefit at the same time while letting my benefit grow till age 70. Does that situation seem plausible to you or am I missing something ?
John,
Yes, your filing strategy seems plausible. However, be sure that you don't file for your spouse's benefit before your full retirement age. If you do, you'll be deemed by law to have also filed for your retirement benefit at that time. You might want to run our software, MaximizeMySocialSecurity, to confirm that this is your best strategy and get the filing dates exactly correct.
Thanks,
MIke
Category:
Posted:
July 30, 2016